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San Juan Capistrano sits in one of Orange County's most stable rental corridors. Proximity to the coast and strong year-round demand keeps vacancies low.
DSCR loans are built for exactly this market. The property's rental income — not your tax returns — drives approval.
0.75 – 1.10+
Min DSCR Ratio
620 – 660
Min Credit Score
20 – 25%
Down Payment
DSCR, LTV, credit
Rates Vary By
30-yr fixed available
Loan Term
DSCR Loans in San Juan Capistrano
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means the rent covers the mortgage exactly.
Most lenders want a DSCR of 1.1 or higher. Some will go down to 0.75 with a larger down payment and stronger credit.
Local decision guide
Use this guide to connect dscr loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Capistrano.
San Juan Capistrano sits in one of Orange County's most stable rental corridors. Proximity to the coast and strong year-round demand keeps vacancies low.
DSCR loans are built for exactly this market. The property's rental income — not your tax returns — drives approval.
Lenders calculate your DSCR by dividing monthly rent by monthly debt payment. A ratio of 1.0 means the rent covers the mortgage exactly.
DSCR is a non-QM product. That means retail banks rarely offer it. You need a broker with access to wholesale non-QM lenders.
We work with 200+ lenders, including a deep bench of non-QM shops. Pricing and guidelines vary significantly across them.
Short-term rentals are tricky. Some lenders won't touch Airbnb income. Others will, but they want 12 months of booking history.
San Juan Capistrano's rental profile leans toward long-term tenants. That actually works in your favor — most DSCR lenders prefer stable lease income.
Bank statement loans qualify you on business deposits — useful if you're self-employed but buying a primary. DSCR skips your income entirely.
Hard money moves faster but costs more. DSCR gives you a 30-year fixed option. For a buy-and-hold rental, DSCR usually wins on rate and term.
Orange County has no rent control on single-family homes. That gives DSCR investors more flexibility to price rents at market rate.
San Juan Capistrano's historic district and trail access attract quality long-term tenants. Lenders value that stability when underwriting DSCR deals here.
Most lenders want 1.1 or higher. Some will approve at 0.75 with 25-30% down and a 680+ credit score.
Some lenders accept short-term rental income with 12 months of booking history. Most prefer long-term lease income.
No. DSCR loans qualify based on the property's rental income. Personal income docs are not required.
Yes. Most DSCR lenders allow LLC vesting. It's one of the main reasons investors choose this program.
Plan for 20-25% down. Higher loan amounts or lower DSCR ratios may require 25-30% down.
Yes, but the condo complex must pass a warrantability or non-warrantable review depending on the lender.